Protection for the animals your livelihood depends on
Agriculture and Fisheries Takaful protects the farms and fish ponds that feed families and markets. Multi-Peril Crop Takaful covers crop loss from the natural perils, pests and diseases named in your schedule. Poultry Takaful and Fish Farm Takaful cover the death or loss of birds and fish stock. Area Yield Index and Weather Index Takaful pay according to a measured index rather than an assessment of each farm, and are offered subject to Shariah Supervisory Board approval. Fishing vessels are covered under Marine Takaful, not on this page.
Participants contribute to a shared fund as Tabarru', which Kalkaal manages as Takaful operator for a disclosed Wakala fee.
To get started, send an enquiry. A Kalkaal advisor explains the cover, exclusions and contribution before you decide.
Why this cover
- Cover for crops, poultry flocks and fish stock against the perils named in your schedule
- Index-based options that pay on measured weather or area yields, subject to Shariah Supervisory Board approval
- Cover that follows your growing season or production cycle, as stated in your schedule
- Suitable for individual farmers, cooperatives and agricultural businesses
Your contribution What you pay for your cover. Part of it is Tabarru’ to the shared fund.Glossary goes into a shared fund that pays eligible claims; Kalkaal manages the fund for a disclosed Wakala Agency: participants appoint Kalkaal to manage the fund for an agreed fee, disclosed in your quotation and schedule.Glossary fee.
Cover options
Multi-Peril Crop Takaful
Covers loss of crop yield or value from the natural perils, pests and diseases named in your schedule during the growing season.
Poultry Takaful
Covers the death of birds from disease, accident and the other causes named in your schedule, for layer, broiler and breeder flocks.
Fish Farm Takaful
Covers loss of fish stock in ponds, tanks or cages from disease, pollution, storm and other named perils. Fishing vessels are covered under Marine Takaful.
Area Yield Index Takaful
Pays when the measured average yield in your area falls below the agreed level because of drought, flood, pests or, where relevant, frost and hail. Subject to Shariah Supervisory Board approval.
Weather Index Takaful
Pays when measured rainfall or other weather readings fall outside agreed levels during the season. Subject to Shariah Supervisory Board approval.
What’s covered
- Crop loss from drought, flood, excess rain, fire, pests and disease, as named in your schedule
- Area yield shortfalls caused by drought, flood, pests or, where relevant, frost and hail
- Death of birds from disease outbreak, fire, lightning, storm or building collapse
- Loss of fish stock from disease, pollution, storm, flood or equipment failure
- Payments when measured rainfall or other weather falls outside agreed levels
- Damage to poultry houses, ponds and cages, where your schedule includes it
Not covered and conditions
- Poor farming practice, neglect, or not following agricultural or veterinary advice
- Theft of crops, birds or fish, unless your schedule adds it
- Destruction or culling ordered by a public authority
- Crops planted outside the season or area stated in your schedule
- Fishing vessels and their catch at sea, which belong under Marine Takaful
- Under index cover, your own losses are not assessed; payment follows the index only
- Full exclusions, waiting periods and deductibles are set out in your quotation and policy wording.
ClaimsHow claims work
How to claim
- Take reasonable steps to limit further loss, such as separating sick birds or moving fish stock where it is safe to do so.
- Do not harvest, dispose of dead stock or replant until Kalkaal agrees, unless a vet or agricultural officer tells you to for health reasons.
- Photograph the damage and keep your farm records up to date.
- Notify Kalkaal within the period stated in your schedule.
Under index cover, payment follows the measured index as your schedule describes.
Documents you will usually need
- Completed claim form
- Photographs of the damaged crop, dead birds or affected ponds
- A report from an agricultural officer or veterinary surgeon, where available
- Farm records, such as planting, harvest, flock or stock records
- Mortality records and laboratory results, for disease losses
- Records of sales and of the stock or crop that remains
What you’ll need for a quote
- The location and size of your farm, ponds or poultry houses
- The crop and variety, planting dates and expected yield
- The number of birds or fish, their age and your production cycle
- Records of past yields, and of flock or fish stock losses
- Vaccination, biosecurity and water quality records, for poultry and fish farms
- Your identity document, cooperative membership or business registration
- The season or production cycle you want covered
FAQs
How does index cover work?
Index cover pays according to a measured index, such as rainfall at a weather station or the average yield in your area, rather than an assessment of each farm. When the index falls outside the agreed level, payment follows the method in your schedule, so your own losses may be higher or lower than the payment. Area Yield Index and Weather Index Takaful are subject to Shariah Supervisory Board approval.
Are fishing boats covered on this page?
No. Fishing vessels belong under Marine Takaful, where they can be covered through Hull and Machinery Takaful. Agriculture and Fisheries Takaful covers fish farms, including fish stock in ponds, tanks and cages. If you run both a fish farm and fishing vessels, a Kalkaal advisor can explain how the two covers fit together.
Can a farmers' cooperative arrange cover for its members?
A cooperative or agricultural business can ask for cover for its members' crops, flocks or fish stock. A Kalkaal advisor will ask for details of each member's farm, location and production, and explains the cover, exclusions and contribution before the cooperative decides. Cover starts only when Kalkaal confirms it in your schedule.
You may also need
Simple everyday protection for families and community groups
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